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commercial+risk

  • 61 коммерция

    коммер|ция - ж. commerce, trade;
    ~ческий commercial;
    ~ дом business house;
    ~ кредит commercial credit;
    ~ риск risk of losses, commercial risk;
    ~ дисконт commercial discount;
    ~ код (например, штриховой код товаров) commercial code;
    ~ческая тайна commercial secret;
    ~ческий директор financial/commercial manager.

    Большой англо-русский и русско-английский словарь > коммерция

  • 62 wirtschaftliches Risiko

    wirtschaftliches Risiko n VERSICH commercial risk
    * * *
    n < Versich> commercial risk
    * * *
    wirtschaftliches Risiko
    commercial risk

    Business german-english dictionary > wirtschaftliches Risiko

  • 63 коммерческий риск

    1) Banking: commercial risk
    2) Business: risk of loss
    3) Management: risk commercial
    4) EBRD: business risk

    Универсальный русско-английский словарь > коммерческий риск

  • 64 unternehmerisches Risiko

    unternehmerisches Risiko n FIN, GEN, WIWI business risk, entrepreneurial risk, corporate risk (Synonym: Unternehmensrisiko); commercial risk (kommerzielles Risiko)
    * * *
    n < Geschäft> entrepreneurial risk
    * * *
    unternehmerisches Risiko
    entrepreneurial (business) venture, entrepreneurial risk

    Business german-english dictionary > unternehmerisches Risiko

  • 65 Unternehmensrisiko

    Unternehmensrisiko n GEN, WIWI business risk, entrepreneurial risk, corporate risk (Synonym: unternehmerisches Risiko); commercial risk (kommerzielles Risiko)
    * * *
    Unternehmensrisiko
    business risk

    Business german-english dictionary > Unternehmensrisiko

  • 66 коммерческий

    Русско-английский большой базовый словарь > коммерческий

  • 67 riesgo comercial

    m.
    business risk, commercial risk.
    * * *
    Ex. As ecommerce grows, maintaining control over online transactions and business risks creates challenges that may not be apparent to end users.
    * * *

    Ex: As ecommerce grows, maintaining control over online transactions and business risks creates challenges that may not be apparent to end users.

    Spanish-English dictionary > riesgo comercial

  • 68 ризик неповернення

    ( кредиту) repayment risk; credit risk; commercial risk

    Українсько-англійський словник > ризик неповернення

  • 69 ризик неповернення кредиту

    repayment risk; credit risk; commercial risk

    Українсько-англійський словник > ризик неповернення кредиту

  • 70 Analyse (f) des betriebswirtschaftlichen Risikos

    < Finanz> commercial risk analysis

    Business german-english dictionary > Analyse (f) des betriebswirtschaftlichen Risikos

  • 71 geschäftliches Risiko

    geschäftliches Risiko
    commercial risk

    Business german-english dictionary > geschäftliches Risiko

  • 72 Analyse des betriebswirtschaftlichen Risikos

    Analyse f des betriebswirtschaftlichen Risikos FIN commercial risk analysis

    Business german-english dictionary > Analyse des betriebswirtschaftlichen Risikos

  • 73 liiketoiminnallinen riski

    finance, business, economy
    • commercial risk

    Suomi-Englanti sanakirja > liiketoiminnallinen riski

  • 74 privatwirtschaftliches Risiko

    n
    commercial risk

    Deutsch-Englisches Wörterbuch > privatwirtschaftliches Risiko

  • 75 Reporting Forms

    . Commercial property insurance where the insurer requires periodic reports on the value of the inventory to ensure coverage is adequate and the premiums commensurate with the risk. . Small Business Taxes & Management 2 .

    Англо-русский экономический словарь > Reporting Forms

  • 76 comercial

    adj.
    1 commercial.
    relaciones comerciales trade relations
    2 store.
    f. & m.
    sales rep (vendedor, representante).
    m.
    commercial, ad, advertisement, advert.
    * * *
    1 (del comercio) commercial
    2 (de tiendas) shopping
    1 (vendedor) seller; (hombre) salesman; (mujer) saleswoman
    \
    banco comercial commercial bank
    tratado comercial commercial treaty
    * * *
    adj.
    * * *
    1. ADJ
    1) (=de tiendas) [área, recinto] shopping antes de s
    2) (=financiero) [carta, operación] business antes de s ; [balanza, déficit, guerra, embargo] trade antes de s ; [intercambio, estrategia] commercial

    el interés comercial de la empresathe commercial o trading interests of the company

    su novela alcanzó un gran éxito comercial — his novel was very successful commercially, his novel achieved great commercial success

    agente 1., local 2., 1)
    3) [aviación, avión, piloto] civil
    4) [cine, teatro, literatura] commercial
    2.
    SMF (=vendedor) salesperson
    * * *
    I
    a) <zona/operación/carta> business (before n)

    nuestra división comercialour sales o marketing department; galería, centro

    b) <película/arte> commercial
    II
    1) (AmL) commercial, advert (BrE)
    2) (CS) (Educ) business school
    III
    femenino o masculino ( tienda)
    * * *
    = commercial, commercially available, entrepreneurial, fee-based, marketing, priceable, for-profit, consumer-like, business-like, business-related, market-orientated [market orientated], profit-making, profit-related, readily available, trade-oriented, profit-orientated, marketable, business, off-the-shelf, commercially operated, market-oriented [market oriented], profit-oriented, out of the box, profit-generating.
    Ex. It is these features which have led co-operative members to select these systems rather than those of the commercial software vendor.
    Ex. Computerized information-retrieval systems are also very prominent in commercially available online search systems and applications.
    Ex. It was noteworthy that nearly all SLIS were maintaining their IT materials as much, if not more, from earnings from entrepreneurial activity than out of institutional allocation.
    Ex. The imposition of fee-based services may radically curtail the breadth of resources available to library users where historically information has been offered freely.
    Ex. Business International Inc. is another US service covering economic and marketing activities in over seventy countries.
    Ex. Neither are the latter group, in the course of their professional activities, likely to feel that the treatment of information as a priceable commodity compromises a principle fundamental to their professional ethic.
    Ex. The friction in this industry between private, for-profit services and not-for-profit learned societies or government bodies is deep-seated.
    Ex. I tried to say at the very outset of my remarks that there probably has not been sufficient consumer-like and assertive leverage exerted upon our chief suppliers.
    Ex. It was generally felt that US libraries are organised on more business-like lines than those in the Netherlands.
    Ex. Twinning of libraries in different countries can bring benefits in terms of joint projects, student exchanges, and other buisness-related affairs.
    Ex. In the middle range of authorship there is, then, quite a wide band of writing stretching from the scholarly to the market-orientated = En el nivel medio de autoría existe, pues, a una gran gama de producciones escritas que van desde lo científico a lo comercial.
    Ex. Many types of budgets are not really applicable to libraries, since libraries are not primarily profit-making institutions.
    Ex. However these distinctions are not always clear cut, the public sector may pursue profit-related goals and the private sector may adopt other goals besides profit (improving work environments, quality of life).
    Ex. Librarians generally adopt the common strategy of simply using readily available sources of information.
    Ex. Trade-oriented scholarly presses also predict more titles, smaller press runs and higher prices.
    Ex. Information producers and sellers are profit-orientated.
    Ex. Central to this is the belief that information is a marketable commodity.
    Ex. A major concern of the journal will be the business, economic, legal, societal and technological relationships between information technology and information resource management.
    Ex. A standard off-the-shelf version costs 450 and fully tailored systems usually fall into the range 1,250 -- 1,450.
    Ex. There are a number of microfilming centres in the country including two commercially operated microfilming services.
    Ex. The market oriented economy is changing the role of information and business information services.
    Ex. The author points out dangers inherent in the fact that on-line data bases are privately owned and profit-oriented.
    Ex. Software vendors provide manuals for the ' out of the box' programs they sell.
    Ex. Examples of determined efforts to erase the intellectual boundaries between the profit-generating models of business and the intellectual pursuits of the academic community are considered.
    ----
    * actividad comercial = commercial activity.
    * anuncio comercial = commercial.
    * aplicación comercial = commercial application, business application.
    * aplicaciones comerciales = commercial software.
    * argumento comercial = business case.
    * asequible en establecimiento comercial = over the counter.
    * aviación comercial = commercial aviation.
    * bajo comercial = commercial premise.
    * banco comercial = business bank.
    * barrera comercial = trade barrier.
    * carta comercial = business letter.
    * casa comercial = house.
    * caso comercial = business case.
    * catálogo comercial de compra por correo = mail order catalogue.
    * centro comercial = shopping centre, shopping precinct, mall of shops, plaza.
    * comercial 7 papel comercial = commercial paper.
    * compañía comercial = business firm.
    * correspondencia comercial = business correspondence.
    * déficit comercial = trade deficit.
    * déficit de la balanza comercial = trade deficit.
    * de gran éxito comercial = high selling.
    * demanda comercial = market demand, commercial demand.
    * de modo comercial = on a commercial basis.
    * de un gran éxito comercial = best selling [bestselling/best-selling], top-selling.
    * de uso comercial = commercially-owned.
    * director comercial = chief commercial officer.
    * directorio comercial = trade directory, traders' list, traders' catalogue.
    * directorio comercial por calles = street directory.
    * distrito comercial = business district.
    * diversificación comercial = business diversification.
    * edificio comercial = commercial building.
    * editor comercial = commercial publisher.
    * editorial comercial = publishing firm, publishing press.
    * emporio comercial = emporium [emporia, -pl.].
    * empresa comercial = business firm.
    * estafa comercial = business scam.
    * estrategia comercial = business plan, market strategy.
    * éxito comercial = commercial success, financial success.
    * firma comercial = commercial firm, firm, commercial enterprise, business firm.
    * galería comercial = shopping arcade, walking arcade.
    * horario comercial = business hours.
    * industria de las exposiciones comerciales = trade show industry.
    * inglés "comercial" = pidgin English.
    * licencia comercial = trading licence.
    * mantener relaciones comerciales = do + business.
    * marca comercial = brand name, servicemark, trade name.
    * mundo comercial, el = commercial world, the.
    * nación comercial = trading nation.
    * no comercial = non-profit making, non-commercial [noncommercial].
    * novedad comercial = industry update.
    * para uso comercial = commercially-owned.
    * parque comercial = business estate.
    * poco comercial = uncommercial.
    * polígono comercial = business estate.
    * presentación comercial = technical presentation.
    * producto comercial = retail product.
    * programa informático comercial = commercial application, commercial software.
    * programas comerciales = commercial software.
    * propuesta comercial = business proposition.
    * proyecto comercial = marketing project.
    * razonamiento comercial = business case.
    * relaciones comerciales = business dealings.
    * rentabilidad comercial = business profitability.
    * representante comercial = business traveller.
    * riesgo comercial = business risk.
    * secreto comercial = competitive information.
    * sector comercial, el = profit-oriented sector, the, profit sector, the, commercial sector, the, for-profit sector, the.
    * sector no comercial, el = not-for-profit sector, the, non-profit sector, the.
    * servicio comercial = commercial service.
    * sistema comercial = market system, commercial system.
    * situado en la calle comercial = shop-front [shopfront] .
    * socio comercial = business associate.
    * software comercial = commercial software.
    * valor comercial = commercial paper.
    * vehículo comercial = commercial vehicle.
    * viajante comercial = business traveller.
    * visión comercial = business acumen.
    * vuelo comercial = commercial flight.
    * zona comercial = business district, shopping area, shopping district.
    * * *
    I
    a) <zona/operación/carta> business (before n)

    nuestra división comercialour sales o marketing department; galería, centro

    b) <película/arte> commercial
    II
    1) (AmL) commercial, advert (BrE)
    2) (CS) (Educ) business school
    III
    femenino o masculino ( tienda)
    * * *
    = commercial, commercially available, entrepreneurial, fee-based, marketing, priceable, for-profit, consumer-like, business-like, business-related, market-orientated [market orientated], profit-making, profit-related, readily available, trade-oriented, profit-orientated, marketable, business, off-the-shelf, commercially operated, market-oriented [market oriented], profit-oriented, out of the box, profit-generating.

    Ex: It is these features which have led co-operative members to select these systems rather than those of the commercial software vendor.

    Ex: Computerized information-retrieval systems are also very prominent in commercially available online search systems and applications.
    Ex: It was noteworthy that nearly all SLIS were maintaining their IT materials as much, if not more, from earnings from entrepreneurial activity than out of institutional allocation.
    Ex: The imposition of fee-based services may radically curtail the breadth of resources available to library users where historically information has been offered freely.
    Ex: Business International Inc. is another US service covering economic and marketing activities in over seventy countries.
    Ex: Neither are the latter group, in the course of their professional activities, likely to feel that the treatment of information as a priceable commodity compromises a principle fundamental to their professional ethic.
    Ex: The friction in this industry between private, for-profit services and not-for-profit learned societies or government bodies is deep-seated.
    Ex: I tried to say at the very outset of my remarks that there probably has not been sufficient consumer-like and assertive leverage exerted upon our chief suppliers.
    Ex: It was generally felt that US libraries are organised on more business-like lines than those in the Netherlands.
    Ex: Twinning of libraries in different countries can bring benefits in terms of joint projects, student exchanges, and other buisness-related affairs.
    Ex: In the middle range of authorship there is, then, quite a wide band of writing stretching from the scholarly to the market-orientated = En el nivel medio de autoría existe, pues, a una gran gama de producciones escritas que van desde lo científico a lo comercial.
    Ex: Many types of budgets are not really applicable to libraries, since libraries are not primarily profit-making institutions.
    Ex: However these distinctions are not always clear cut, the public sector may pursue profit-related goals and the private sector may adopt other goals besides profit (improving work environments, quality of life).
    Ex: Librarians generally adopt the common strategy of simply using readily available sources of information.
    Ex: Trade-oriented scholarly presses also predict more titles, smaller press runs and higher prices.
    Ex: Information producers and sellers are profit-orientated.
    Ex: Central to this is the belief that information is a marketable commodity.
    Ex: A major concern of the journal will be the business, economic, legal, societal and technological relationships between information technology and information resource management.
    Ex: A standard off-the-shelf version costs 450 and fully tailored systems usually fall into the range 1,250 -- 1,450.
    Ex: There are a number of microfilming centres in the country including two commercially operated microfilming services.
    Ex: The market oriented economy is changing the role of information and business information services.
    Ex: The author points out dangers inherent in the fact that on-line data bases are privately owned and profit-oriented.
    Ex: Software vendors provide manuals for the ' out of the box' programs they sell.
    Ex: Examples of determined efforts to erase the intellectual boundaries between the profit-generating models of business and the intellectual pursuits of the academic community are considered.
    * actividad comercial = commercial activity.
    * anuncio comercial = commercial.
    * aplicación comercial = commercial application, business application.
    * aplicaciones comerciales = commercial software.
    * argumento comercial = business case.
    * asequible en establecimiento comercial = over the counter.
    * aviación comercial = commercial aviation.
    * bajo comercial = commercial premise.
    * banco comercial = business bank.
    * barrera comercial = trade barrier.
    * carta comercial = business letter.
    * casa comercial = house.
    * caso comercial = business case.
    * catálogo comercial de compra por correo = mail order catalogue.
    * centro comercial = shopping centre, shopping precinct, mall of shops, plaza.
    * comercial 7 papel comercial = commercial paper.
    * compañía comercial = business firm.
    * correspondencia comercial = business correspondence.
    * déficit comercial = trade deficit.
    * déficit de la balanza comercial = trade deficit.
    * de gran éxito comercial = high selling.
    * demanda comercial = market demand, commercial demand.
    * de modo comercial = on a commercial basis.
    * de un gran éxito comercial = best selling [bestselling/best-selling], top-selling.
    * de uso comercial = commercially-owned.
    * director comercial = chief commercial officer.
    * directorio comercial = trade directory, traders' list, traders' catalogue.
    * directorio comercial por calles = street directory.
    * distrito comercial = business district.
    * diversificación comercial = business diversification.
    * edificio comercial = commercial building.
    * editor comercial = commercial publisher.
    * editorial comercial = publishing firm, publishing press.
    * emporio comercial = emporium [emporia, -pl.].
    * empresa comercial = business firm.
    * estafa comercial = business scam.
    * estrategia comercial = business plan, market strategy.
    * éxito comercial = commercial success, financial success.
    * firma comercial = commercial firm, firm, commercial enterprise, business firm.
    * galería comercial = shopping arcade, walking arcade.
    * horario comercial = business hours.
    * industria de las exposiciones comerciales = trade show industry.
    * inglés "comercial" = pidgin English.
    * licencia comercial = trading licence.
    * mantener relaciones comerciales = do + business.
    * marca comercial = brand name, servicemark, trade name.
    * mundo comercial, el = commercial world, the.
    * nación comercial = trading nation.
    * no comercial = non-profit making, non-commercial [noncommercial].
    * novedad comercial = industry update.
    * para uso comercial = commercially-owned.
    * parque comercial = business estate.
    * poco comercial = uncommercial.
    * polígono comercial = business estate.
    * presentación comercial = technical presentation.
    * producto comercial = retail product.
    * programa informático comercial = commercial application, commercial software.
    * programas comerciales = commercial software.
    * propuesta comercial = business proposition.
    * proyecto comercial = marketing project.
    * razonamiento comercial = business case.
    * relaciones comerciales = business dealings.
    * rentabilidad comercial = business profitability.
    * representante comercial = business traveller.
    * riesgo comercial = business risk.
    * secreto comercial = competitive information.
    * sector comercial, el = profit-oriented sector, the, profit sector, the, commercial sector, the, for-profit sector, the.
    * sector no comercial, el = not-for-profit sector, the, non-profit sector, the.
    * servicio comercial = commercial service.
    * sistema comercial = market system, commercial system.
    * situado en la calle comercial = shop-front [shopfront].
    * socio comercial = business associate.
    * software comercial = commercial software.
    * valor comercial = commercial paper.
    * vehículo comercial = commercial vehicle.
    * viajante comercial = business traveller.
    * visión comercial = business acumen.
    * vuelo comercial = commercial flight.
    * zona comercial = business district, shopping area, shopping district.

    * * *
    1 ‹distrito/operación› business ( before n)
    una importante firma comercial an important company
    el desequilibrio comercial entre los dos países the trade imbalance between the two countries
    un emporio comercial fenicio a Phoenician trading post
    algunos critican su agresividad comercial some people criticize their aggressive approach to business
    el déficit comercial the trade deficit
    una carta comercial a business letter
    nuevas iniciativas comerciales new business initiatives
    nuestra división comercial our sales o marketing department
    el derribo de un avión comercial the shooting down of a civil aircraft
    2 ‹película/arte› commercial
    ( AmL)
    commercial, advert ( BrE)
    or
    A
    (tienda): [ S ] Comercial Hernández Hernandez's Stores
    B (CS) ( Educ) business school
    * * *

     

    comercial adjetivo
    a)zona/operación/carta business ( before n);


    el déficit comercial the trade deficit;
    See Also→ galería, centro
    b)película/arte commercial

    ■ sustantivo masculino

    b) (CS) (Educ) business school

    comercial adjetivo commercial
    ' comercial' also found in these entries:
    Spanish:
    balanza
    - centro
    - depresión
    - erotizar
    - galería
    - propaganda
    - recibo
    - Sres.
    - feria
    - gerente
    - pasaje
    - relación
    - señalización
    - señalizar
    - zona
    English:
    accessible
    - arcade
    - brand name
    - business
    - commercial
    - commercialize
    - delay
    - delegation
    - head-hunt
    - mall
    - merchant bank
    - moneymaker
    - profit margin
    - rep
    - run across
    - sales brochure
    - sales promotion
    - sales rep
    - selling point
    - shopping centre
    - trade agreement
    - trade deficit
    - trade embargo
    - trade gap
    - trade route
    - tradename
    - trading partner
    - trading results
    - unbusinesslike
    - break
    - cash
    - fair
    - for
    - mix
    - opening
    - plaza
    - precinct
    - representative
    - shopping
    - trade
    - trading
    * * *
    adj
    1. [de empresas] commercial;
    [embargo, déficit, disputa] trade;
    relaciones comerciales trade relations;
    aviación comercial civil aviation;
    política comercial trade policy;
    gestión comercial business management
    2. [que se vende bien] commercial;
    una película muy comercial a very commercial film
    nmf
    [vendedor, representante] sales rep
    nm
    Am commercial, Br advert
    * * *
    I adj commercial; de negocios business atr ;
    el déficit comercial the trade deficit
    II m/f representative
    III m L.Am. ( anuncio) commercial
    * * *
    comercial adj & nm
    : commercial
    * * *
    comercial1 adj commercial
    comercial2 n salesman [pl. salesmen] / saleswoman [pl. saleswomen]

    Spanish-English dictionary > comercial

  • 77 specialised lending

    банк. !
    http:www.geocities.com/kstability/inbank/basel2/irb.html
    Basel II distinguishes several sub-categories of wholesale lending from other forms of corporate lending and refers to them as specialised lending. The term specialised lending is associated with the financing of individual projects where the repayment is highly dependent on the performance of the underlying pool or collateral. For all but one of the specialised lending sub-categories, if banks can meet the minimum criteria for the estimation of the relevant data inputs, they can simply use the corporate IRB framework to calculate the risk weights for these exposures. However, in recognition that the hurdles for meeting these criteria for this set of exposures may be more difficult in practice, CP3 also includes an additional option that only requires that a bank be able to classify such exposures into five distinct quality grades. CP3 provides a specific risk weight for each of these grades.
    For one sub-category of specialised lending, 'high volatility commercial real estate' (HVCRE), IRB banks that can estimate the required data inputs will use a separate riskweight formula that is more conservative than the general corporate risk-weight formula in light of the risk characteristics of this type of lending. Banks that cannot estimate the required inputs will classify their HVCRE exposures into five grades, for which CP3 also provides specific risk weights
    Специальные классы задолженности, выделяемые в для индивидуальной оценки рисков подходом IRB согласно рекомендациям Базель-II (Базельского соглашения о достаточности капитала в редакции 2004 г.):
    целевое финансирование (object finance, OF)
    краткосрочное финансирование торговых операций (commodities finance, CF)
    финансирование доходной недвижимости (income-producing real estate, IPRE)
    финансирование недвижимости с нестабильной доходностью (high-volatility commercial real estate, HVCRE)

    Англо-русский экономический словарь > specialised lending

  • 78 insurance

    [ɪnˈʃuərəns]
    accept an insurance policy получать страховой полис accident insurance contribution взнос на страхование от несчастного случая accountants' indemnity insurance страхование для компенсации убытков бухгалтерии additional expense insurance страхование дополнительных расходов agricultural insurance сельскохозяйственное страхование air transport insurance страхование воздушных перевозок aircraft hull insurance страхование самолета aircraft hull insurance страхование фюзеляжа воздушного судна aircraft passenger insurance страхование авиапассажиров all risks insurance страхование на все случаи жизни all risks insurance страхование от всех рисков all-in insurance страхование на все случаи жизни all-risks insurance полное страхование all-risks insurance страхование от любого риска annual insurance годовая страховка annuity insurance страхование ренты art property and jewellery insurance страхование предметов искусства и драгоценностей automobile insurance страхование автомобиля automobile third party liability insurance страхование ответственности владельца автомобиля перед третьими лицами aviation insurance авиационное страхование bicycle theft insurance страхование от кражи велосипеда blanket insurance блок-страхование business closure insurance страхование компании на случай прекращения деятельности business interruption insurance страхование компании от убытков в случае остановки производства cancel an insurance аннулировать страхование cancellation insurance страхование от аннулирования capital deposit insurance страхование депозитов капитала captive insurance company дочерняя страховая компания car insurance страхование автомобиля cargo insurance страхование грузов cargo insurance страхование морских грузов cash messenger insurance страхование инкассатора casualty insurance страхование от несчастных случаев child's deferred insurance отсроченное страхование детей child's insurance детское страхование coin machine insurance страхование монетного автомата collective accident insurance коллективное страхование от несчастного случая collective insurance коллективное страхование collision insurance страхование на случай столкновения combined insurance комбинированная страховка combined shop insurance смешанное страхование магазинов commercial insurance торговое страхование commercial liability insurance страхование коммерческой ответственности compensation insurance страхование компенсации comprehensive building insurance страхование нескольких строений по одному договору comprehensive insurance комбинированное страхование comprehensive insurance полная страховка comprehensive insurance страхование нескольких видов имущества по одному договору compulsory industrial injuries insurance страх. обязательное страхование от производственных травм compulsory insurance страх. обязательное страхование compulsory insurance страх. принудительное страхование compulsory old-age insurance обязательное страхование по старости compulsory third party insurance обязательное страхование третьей стороны computer crime insurance страхование от использования вычислительной машины в преступных целях consequential loss insurance страхование от косвенного ущерба consumer insurance страховка потребителя container insurance контейнерная страховка contractor's all risks insurance комбинированное страхование подрядчика contractor's all risks insurance страхование подрядчика от всех рисков contributory insurance страхование с частичными взносами cost and insurance (C and I) стоимость и страхование credit insurance страхование кредитов credit insurance страхование от неуплаты долга credit insurance scheme порядок страхования кредитов credit insurance system система страхования кредитов cremation expenses insurance страхование расходов на кремацию crop hail insurance страхование сельскохозяйственных культур от повреждения градом crop insurance страхование урожая current insurance действующий договор страхования deferred insurance отсроченное страхование deposit insurance депозитная страховка deposit insurance страхование депозитов deposit insurance fund фонд страхования депозитов difference-in-conditions insurance страхование с разницей в условиях direct insurance прямое страхование disability insurance страхование по нетрудоспособности disability insurance страховка по нетрудоспособности double insurance двойное страхование earthquake insurance страхование от землетрясения employer's liability insurance страхование ответственности работодателя employment pension insurance пенсионное страхование трудящихся engineering insurance страхование производственного оборудования environmental liability insurance страхование по обязательствам, связанным с экологией erection insurance страхование строительства exchange risk insurance страхование от валютного риска exhibition risks insurance страхование от рисков, связанных с демонстрацией товаров export credit insurance страхование кредита на экспорт export credit insurance страхование экспортного кредита family income insurance страхование дохода семьи fidelity insurance страхование от финансовых потерь, связанных со злоупотреблениями служащих компании fire insurance страхование от огня fire insurance страхование от пожара fire recourse insurance страхование от повторных пожаров first loss insurance страхование от первых убытков first loss insurance страхование по первому риску first party insurance страхование первой стороны fixed date insurance страхование жизни на определенный срок fixed-term insurance страхование жизни на определенный срок flight insurance страхование воздушной перевозки flood insurance страхование от наводнения foreign exchange insurance страхование в иностранной валюте forest fire insurance страхование от лесных пожаров freight insurance страхование груза freight insurance страхование перевозки грузов frost damage insurance страхование ущерба от заморозка frost insurance страхование от заморозков full value insurance страхование в полную стоимость full value insurance страхование на полную сумму fully comprehensive insurance полное страхование fully comprehensive insurance страхование всех видов по одному договору funeral expenses insurance страхование затрат на похороны general insurance общее страхование general liability insurance страхование гражданской ответственности goods insurance страхование товаров graduated life insurance дифференцированное страхование жизни group health insurance коллективное медицинское страхование group insurance групповое страхование group insurance коллективное страхование group life insurance групповое страхование жизни guarantee insurance гарантийное страхование hailstorm insurance страх. страхование от убытков, причиненных градом health insurance страхование здоровья health insurance страх. страхование от болезней health insurance card карточка страхования здоровья; страховой полис health insurance fund страх. фонд страхования здоровья health insurance society страх. общество страхования здоровья home-foreign insurance страх. страхование по переписке household comprehensive insurance страх. страхование нескольких видов домашнего имущества по одному договору household furniture insurance страх. страхование предметов домашнего обихода houseowner's comprehensive insurance страх. комбинированное страхование домовладения hull insurance страхование корпуса судна, каско hull insurance мор.страх. страхование корпуса судна hunting liability insurance страх. страхование гражданской ответственности на охоте import credit insurance страхование кредита для импорта import protection insurance страхование охраны импорта товаров indemnity insurance страховая гарантия indexed new-value insurance страхование, учитывающее изменение стоимости застрахованного объекта indirect insurance непрямое страхование industrial accident insurance страхование от несчастных случаев на производстве industrial injuries insurance страхование от производственного травматизма industrial insurance промышленное страхование industrial life insurance индустриальное страхование жизни inland transport insurance страхование перевозок внутри страны insurance страхование insurance страховая премия insurance страховой полис insurance сумма страхования insurance against treatment insury страхование на случай неудачного лечения insurance company share акция страховой компании insurance contract act закон о договоре страхования insurance for less than a year страхование на срок менее года insurance in force действующий договор страхования insurance of buildings страхование зданий insurance of cargo страхование груза insurance of contents страхование домашнего имущества insurance of daily benefits страхование дневного содержания insurance of fixed sums страхование фиксированных сумм insurance of fluorescent tubes страхование флуоресцентных ламп insurance of goods страхование товара insurance of goods and chattels страхование личного движимого имущества insurance of growing crops страхование выращиваемого урожая insurance of industrial risks страхование от промышленных рисков insurance of low tension installation страхование установки низкого напряжения insurance of medical expenses страхование медицинских расходов insurance of movable property страхование движимой собственности insurance of persons индивидуальное страхование insurance of persons личное страхование insurance of securities in transit страхование ценных бумаг при перевозке insurance of shell of building страхование облицовки здания insurance of stocks страхование складов insurance of valuables страхование драгоценностей insurance of valuables страхование ювелирных изделий interpretation difference insurance страхование от различий в толковании invalidity insurance страхование на случай инвалидности jewellery insurance страхование драгоценностей jewellery insurance страхование ювелирных изделий key insurance страх. страхование от всех рисков kidnap insurance страх. страхование от похищения ребенка legal expenses insurance страхование судебных издержек liability insurance страхование гражданской ответственности life insurance страхование жизни life insurance company компания по страхованию жизни life insurance policy полис страхования жизни policy: life insurance insurance полис страхования жизни life insurance sum сумма страхования жизни livestock insurance страхование домашнего скота livestock insurance страхование животных long-term insurance долгосрочное страхование loss insurance страхователь от убытков low tension insurance страхование от низкого напряжения в сети luggage insurance страхование багажа machinery breakdown insurance страхование на случай поломки оборудования machinery insurance страхование оборудования mandatory insurance обязательное страхование marine hull insurance страхование корпуса судна marine insurance морское страхование maternity insurance страхование женщин на случай родов maternity insurance страхование по материнству medical expenses insurance страхование медицинских расходов medical insurance медицинское страхование mortgage guarantee insurance гарантийное страхование ипотечной задолженности mortgage insurance страхование ипотечной задолженности motor cycle insurance страхование мотоциклов motor insurance автомобильное страхование motor insurance страхование автомобилей motor third party liability insurance страхование автотранспортных средств от ответственности в отношении третих лиц motor vehicle insurance страхование автомобиля motorcar insurance страхование автомобильного транспорта motorcar insurance страхование легковых автомобилей multiple insurance многократное страхование musical instruments insurance страхование музыкальных инструментов mutual insurance взаимное страхование national health insurance государственное страхование от болезней national insurance государственное страхование National Insurance Act Закон о государственном страховании (Великобритания) national old age invalidity and unemployment pension insurance национальное страхование по старости инвалидности и безработице national pension insurance национальное пенсионное страхование national sickness insurance benefit payments выплаты национального страхового пособия по безработице new insurance дополнительное страхование no-fault insurance страхование безаварийной работы nonlife insurance страхование ущерба nuclear risks insurance страхование от риска радиоактивного облучения obligatory insurance облигаторное страхование occupational compensation insurance страхование выплат работникам offshore insurance офшорное страхование offshore insurance страхование, не подпадающее под национальное регулирование old age insurance страхование по старости optional insurance добровольное страхование ordinary life insurance обычное страхование жизни ordinary life insurance страхование на случай смерти с пожизненной уплатой взносов paid-up insurance оплаченный страховой полис partial insurance неполное страхование partial insurance страхование в неполную стоимость passenger insurance страхование пассажиров pension insurance пенсионное страхование pension insurance страхование пенсии perpetual insurance бессрочное страхование perpetual insurance пожизненное страхование personal accident insurance индивидуальное страхование от несчастного случая personal accident insurance личное страхование от несчастного случая personal insurance индивидуальное страхование personal insurance личное страхование personal liability insurance страхование гражданской ответственности personal property insurance страхование личной собственности pharmaceutical insurance страхование фармацевтических расходов plate glass insurance страхование витринного стекла pluvious insurance страхование от ненастной погоды во время отпуска pool insurance коллективное страхование portfolio insurance страхование портфеля активов post office insurance страхование по почте premium insurance страхование с уплатой взносов previous insurance предыдущее страхование price differences insurance страхование различия в ценах private insurance индивидуальное страхование private insurance личное страхование product liability insurance страхование ответственности за качество выпускаемой продукции professional disability insurance страхование от нетрудоспособности по данной профессии professional indemnity insurance страхование от убытков в ходе профессиональной деятельности professional liability insurance страхование профессиональной ответственности property fire insurance страхование имущества от пожара property insurance страхование имущества propose an insurance заявлять о намерении застраховаться provident insurance социальное страхование public liability insurance страхование гражданской ответственности pure endowment insurance страхование с выплатой страховой суммы лицам, указанным в полисе, или самому застрахованному при достижении определенного срока railway passengers' insurance страхование пассажиров железнодорожного транспорта replacement value insurance страхование имущества, при котором возмещение выплачивается в размере восстановительной стоимости retirement pension insurance страхование пенсии за выслугу лет retirement pension insurance страхование пенсии по возрасту retirement pension insurance страхование пенсии по старости retroactive insurance страхование, имеющее обратную силу risk insurance страхование от риска risk insurance страхование риска robbery insurance страхование от грабежа salvage value insurance страхование стоимости спасенного имущества satellite insurance дополнительное страхование sea insurance морское страхование short-term insurance краткосрочное страхование sickness benefit insurance страхование на случай болезни sickness insurance страхование по болезни sickness insurance card карта страхования по болезни; полис страхования по болезни sickness insurance contribution взносы страхованя по болезни single-premium insurance страхование с единовременным страховым взносом ski-breakage insurance страхование от поломки лыж social insurance социальное страхование social insurance card карта социального страхования The Social Insurance Institution Институт социального страхования spacecraft insurance страхование космического аппарата statutory insurance установленное законом страхование storm damage insurance страхование от убытков вследствие бури straight life insurance страхование с пожизненной уплатой взносов supplementary health insurance дополнительное страхование от болезней supplementary insurance дополнительное страхование suretyship insurance страхование от финансовых потерь, связанных со злоупотреблениями служащих компании survivorship life insurance страхование жизни пережившего супруга television insurance страхование телевизора temporary insurance временное страхование term insurance страхование на срок term life insurance срочное страхование жизни theft insurance страхование от кражи title insurance страхование от дефектов правового титула tourist health insurance страхование туристов от болезней trade credit insurance страхование коммерческих кредитов transport insurance страхование перевозок travel insurance страхование туристов traveller's accident insurance страхование туристов от несчастных случаев traveller's health insurance страхование туристов от болезней underwrite insurance принимать на страхование unemployment insurance страхование от безработицы unemployment insurance страхование по безработице vehicle insurance страхование транспорта voluntary insurance добровольное страхование wager insurance азартный полис war risk insurance страхование от военных рисков water damage insurance страхование от ущерба, причиненного водой weather insurance страхование от атмосферного воздействия whole-life insurance пожизненное страхование на случай смерти widow's insurance страхование на случай вдовства workmen's compensation insurance страхование от понижения заработной платы works traffic insurance страхование производственного транспорта write insurance принимать на страхование

    English-Russian short dictionary > insurance

  • 79 near cash

    !
    гос. фин. The resource budget contains a separate control total for “near cash” expenditure, that is expenditure such as pay and current grants which impacts directly on the measure of the golden rule.
    This paper provides background information on the framework for the planning and control of public expenditure in the UK which has been operated since the 1998 Comprehensive Spending Review (CSR). It sets out the different classifications of spending for budgeting purposes and why these distinctions have been adopted. It discusses how the public expenditure framework is designed to ensure both sound public finances and an outcome-focused approach to public expenditure.
    The UK's public spending framework is based on several key principles:
    "
    consistency with a long-term, prudent and transparent regime for managing the public finances as a whole;
    " "
    the judgement of success by policy outcomes rather than resource inputs;
    " "
    strong incentives for departments and their partners in service delivery to plan over several years and plan together where appropriate so as to deliver better public services with greater cost effectiveness; and
    "
    the proper costing and management of capital assets to provide the right incentives for public investment.
    The Government sets policy to meet two firm fiscal rules:
    "
    the Golden Rule states that over the economic cycle, the Government will borrow only to invest and not to fund current spending; and
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    the Sustainable Investment Rule states that net public debt as a proportion of GDP will be held over the economic cycle at a stable and prudent level. Other things being equal, net debt will be maintained below 40 per cent of GDP over the economic cycle.
    Achievement of the fiscal rules is assessed by reference to the national accounts, which are produced by the Office for National Statistics, acting as an independent agency. The Government sets its spending envelope to comply with these fiscal rules.
    Departmental Expenditure Limits ( DEL) and Annually Managed Expenditure (AME)
    "
    Departmental Expenditure Limit ( DEL) spending, which is planned and controlled on a three year basis in Spending Reviews; and
    "
    Annually Managed Expenditure ( AME), which is expenditure which cannot reasonably be subject to firm, multi-year limits in the same way as DEL. AME includes social security benefits, local authority self-financed expenditure, debt interest, and payments to EU institutions.
    More information about DEL and AME is set out below.
    In Spending Reviews, firm DEL plans are set for departments for three years. To ensure consistency with the Government's fiscal rules departments are set separate resource (current) and capital budgets. The resource budget contains a separate control total for “near cash” expenditure, that is expenditure such as pay and current grants which impacts directly on the measure of the golden rule.
    To encourage departments to plan over the medium term departments may carry forward unspent DEL provision from one year into the next and, subject to the normal tests for tautness and realism of plans, may be drawn down in future years. This end-year flexibility also removes any incentive for departments to use up their provision as the year end approaches with less regard to value for money. For the full benefits of this flexibility and of three year plans to feed through into improved public service delivery, end-year flexibility and three year budgets should be cascaded from departments to executive agencies and other budget holders.
    Three year budgets and end-year flexibility give those managing public services the stability to plan their operations on a sensible time scale. Further, the system means that departments cannot seek to bid up funds each year (before 1997, three year plans were set and reviewed in annual Public Expenditure Surveys). So the credibility of medium-term plans has been enhanced at both central and departmental level.
    Departments have certainty over the budgetary allocation over the medium term and these multi-year DEL plans are strictly enforced. Departments are expected to prioritise competing pressures and fund these within their overall annual limits, as set in Spending Reviews. So the DEL system provides a strong incentive to control costs and maximise value for money.
    There is a small centrally held DEL Reserve. Support from the Reserve is available only for genuinely unforeseeable contingencies which departments cannot be expected to manage within their DEL.
    AME typically consists of programmes which are large, volatile and demand-led, and which therefore cannot reasonably be subject to firm multi-year limits. The biggest single element is social security spending. Other items include tax credits, Local Authority Self Financed Expenditure, Scottish Executive spending financed by non-domestic rates, and spending financed from the proceeds of the National Lottery.
    AME is reviewed twice a year as part of the Budget and Pre-Budget Report process reflecting the close integration of the tax and benefit system, which was enhanced by the introduction of tax credits.
    AME is not subject to the same three year expenditure limits as DEL, but is still part of the overall envelope for public expenditure. Affordability is taken into account when policy decisions affecting AME are made. The Government has committed itself not to take policy measures which are likely to have the effect of increasing social security or other elements of AME without taking steps to ensure that the effects of those decisions can be accommodated prudently within the Government's fiscal rules.
    Given an overall envelope for public spending, forecasts of AME affect the level of resources available for DEL spending. Cautious estimates and the AME margin are built in to these AME forecasts and reduce the risk of overspending on AME.
    Together, DEL plus AME sum to Total Managed Expenditure (TME). TME is a measure drawn from national accounts. It represents the current and capital spending of the public sector. The public sector is made up of central government, local government and public corporations.
    Resource and Capital Budgets are set in terms of accruals information. Accruals information measures resources as they are consumed rather than when the cash is paid. So for example the Resource Budget includes a charge for depreciation, a measure of the consumption or wearing out of capital assets.
    "
    Non cash charges in budgets do not impact directly on the fiscal framework. That may be because the national accounts use a different way of measuring the same thing, for example in the case of the depreciation of departmental assets. Or it may be that the national accounts measure something different: for example, resource budgets include a cost of capital charge reflecting the opportunity cost of holding capital; the national accounts include debt interest.
    "
    Within the Resource Budget DEL, departments have separate controls on:
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    Near cash spending, the sub set of Resource Budgets which impacts directly on the Golden Rule; and
    "
    The amount of their Resource Budget DEL that departments may spend on running themselves (e.g. paying most civil servants’ salaries) is limited by Administration Budgets, which are set in Spending Reviews. Administration Budgets are used to ensure that as much money as practicable is available for front line services and programmes. These budgets also help to drive efficiency improvements in departments’ own activities. Administration Budgets exclude the costs of frontline services delivered directly by departments.
    The Budget preceding a Spending Review sets an overall envelope for public spending that is consistent with the fiscal rules for the period covered by the Spending Review. In the Spending Review, the Budget AME forecast for year one of the Spending Review period is updated, and AME forecasts are made for the later years of the Spending Review period.
    The 1998 Comprehensive Spending Review ( CSR), which was published in July 1998, was a comprehensive review of departmental aims and objectives alongside a zero-based analysis of each spending programme to determine the best way of delivering the Government's objectives. The 1998 CSR allocated substantial additional resources to the Government's key priorities, particularly education and health, for the three year period from 1999-2000 to 2001-02.
    Delivering better public services does not just depend on how much money the Government spends, but also on how well it spends it. Therefore the 1998 CSR introduced Public Service Agreements (PSAs). Each major government department was given its own PSA setting out clear targets for achievements in terms of public service improvements.
    The 1998 CSR also introduced the DEL/ AME framework for the control of public spending, and made other framework changes. Building on the investment and reforms delivered by the 1998 CSR, successive spending reviews in 2000, 2002 and 2004 have:
    "
    provided significant increase in resources for the Government’s priorities, in particular health and education, and cross-cutting themes such as raising productivity; extending opportunity; and building strong and secure communities;
    " "
    enabled the Government significantly to increase investment in public assets and address the legacy of under investment from past decades. Departmental Investment Strategies were introduced in SR2000. As a result there has been a steady increase in public sector net investment from less than ¾ of a per cent of GDP in 1997-98 to 2¼ per cent of GDP in 2005-06, providing better infrastructure across public services;
    " "
    introduced further refinements to the performance management framework. PSA targets have been reduced in number over successive spending reviews from around 300 to 110 to give greater focus to the Government’s highest priorities. The targets have become increasingly outcome-focused to deliver further improvements in key areas of public service delivery across Government. They have also been refined in line with the conclusions of the Devolving Decision Making Review to provide a framework which encourages greater devolution and local flexibility. Technical Notes were introduced in SR2000 explaining how performance against each PSA target will be measured; and
    "
    not only allocated near cash spending to departments, but also – since SR2002 - set Resource DEL plans for non cash spending.
    To identify what further investments and reforms are needed to equip the UK for the global challenges of the decade ahead, on 19 July 2005 the Chief Secretary to the Treasury announced that the Government intends to launch a second Comprehensive Spending Review (CSR) reporting in 2007.
    A decade on from the first CSR, the 2007 CSR will represent a long-term and fundamental review of government expenditure. It will cover departmental allocations for 2008-09, 2009-10 and 2010 11. Allocations for 2007-08 will be held to the agreed figures already announced by the 2004 Spending Review. To provide a rigorous analytical framework for these departmental allocations, the Government will be taking forward a programme of preparatory work over 2006 involving:
    "
    an assessment of what the sustained increases in spending and reforms to public service delivery have achieved since the first CSR. The assessment will inform the setting of new objectives for the decade ahead;
    " "
    an examination of the key long-term trends and challenges that will shape the next decade – including demographic and socio-economic change, globalisation, climate and environmental change, global insecurity and technological change – together with an assessment of how public services will need to respond;
    " "
    to release the resources needed to address these challenges, and to continue to secure maximum value for money from public spending over the CSR period, a set of zero-based reviews of departments’ baseline expenditure to assess its effectiveness in delivering the Government’s long-term objectives; together with
    "
    further development of the efficiency programme, building on the cross cutting areas identified in the Gershon Review, to embed and extend ongoing efficiency savings into departmental expenditure planning.
    The 2007 CSR also offers the opportunity to continue to refine the PSA framework so that it drives effective delivery and the attainment of ambitious national standards.
    Public Service Agreements (PSAs) were introduced in the 1998 CSR. They set out agreed targets detailing the outputs and outcomes departments are expected to deliver with the resources allocated to them. The new spending regime places a strong emphasis on outcome targets, for example in providing for better health and higher educational standards or service standards. The introduction in SR2004 of PSA ‘standards’ will ensure that high standards in priority areas are maintained.
    The Government monitors progress against PSA targets, and departments report in detail twice a year in their annual Departmental Reports (published in spring) and in their autumn performance reports. These reports provide Parliament and the public with regular updates on departments’ performance against their targets.
    Technical Notes explain how performance against each PSA target will be measured.
    To make the most of both new investment and existing assets, there needs to be a coherent long term strategy against which investment decisions are taken. Departmental Investment Strategies (DIS) set out each department's plans to deliver the scale and quality of capital stock needed to underpin its objectives. The DIS includes information about the department's existing capital stock and future plans for that stock, as well as plans for new investment. It also sets out the systems that the department has in place to ensure that it delivers its capital programmes effectively.
    This document was updated on 19 December 2005.
    Near-cash resource expenditure that has a related cash implication, even though the timing of the cash payment may be slightly different. For example, expenditure on gas or electricity supply is incurred as the fuel is used, though the cash payment might be made in arrears on aquarterly basis. Other examples of near-cash expenditure are: pay, rental.Net cash requirement the upper limit agreed by Parliament on the cash which a department may draw from theConsolidated Fund to finance the expenditure within the ambit of its Request forResources. It is equal to the agreed amount of net resources and net capital less non-cashitems and working capital.Non-cash cost costs where there is no cash transaction but which are included in a body’s accounts (or taken into account in charging for a service) to establish the true cost of all the resourcesused.Non-departmental a body which has a role in the processes of government, but is not a government public body, NDPBdepartment or part of one. NDPBs accordingly operate at arm’s length from governmentMinisters.Notional cost of a cost which is taken into account in setting fees and charges to improve comparability with insuranceprivate sector service providers.The charge takes account of the fact that public bodies donot generally pay an insurance premium to a commercial insurer.the independent body responsible for collecting and publishing official statistics about theUK’s society and economy. (At the time of going to print legislation was progressing tochange this body to the Statistics Board).Office of Government an office of the Treasury, with a status similar to that of an agency, which aims to maximise Commerce, OGCthe government’s purchasing power for routine items and combine professional expertiseto bear on capital projects.Office of the the government department responsible for discharging the Paymaster General’s statutoryPaymaster General,responsibilities to hold accounts and make payments for government departments and OPGother public bodies.Orange bookthe informal title for Management of Risks: Principles and Concepts, which is published by theTreasury for the guidance of public sector bodies.Office for NationalStatistics, ONS60Managing Public Money
    ————————————————————————————————————————
    "
    GLOSSARYOverdraftan account with a negative balance.Parliament’s formal agreement to authorise an activity or expenditure.Prerogative powerspowers exercisable under the Royal Prerogative, ie powers which are unique to the Crown,as contrasted with common-law powers which may be available to the Crown on the samebasis as to natural persons.Primary legislationActs which have been passed by the Westminster Parliament and, where they haveappropriate powers, the Scottish Parliament and the Northern Ireland Assembly. Begin asBills until they have received Royal Assent.arrangements under which a public sector organisation contracts with a private sectorentity to construct a facility and provide associated services of a specified quality over asustained period. See annex 7.5.Proprietythe principle that patterns of resource consumption should respect Parliament’s intentions,conventions and control procedures, including any laid down by the PAC. See box 2.4.Public Accountssee Committee of Public Accounts.CommitteePublic corporationa trading body controlled by central government, local authority or other publiccorporation that has substantial day to day operating independence. See section 7.8.Public Dividend finance provided by government to public sector bodies as an equity stake; an alternative to Capital, PDCloan finance.Public Service sets out what the public can expect the government to deliver with its resources. EveryAgreement, PSAlarge government department has PSA(s) which specify deliverables as targets or aimsrelated to objectives.a structured arrangement between a public sector and a private sector organisation tosecure an outcome delivering good value for money for the public sector. It is classified tothe public or private sector according to which has more control.Rate of returnthe financial remuneration delivered by a particular project or enterprise, expressed as apercentage of the net assets employed.Regularitythe principle that resource consumption should accord with the relevant legislation, therelevant delegated authority and this document. See box 2.4.Request for the functional level into which departmental Estimates may be split. RfRs contain a number Resources, RfRof functions being carried out by the department in pursuit of one or more of thatdepartment’s objectives.Resource accountan accruals account produced in line with the Financial Reporting Manual (FReM).Resource accountingthe system under which budgets, Estimates and accounts are constructed in a similar wayto commercial audited accounts, so that both plans and records of expenditure allow in fullfor the goods and services which are to be, or have been, consumed – ie not just the cashexpended.Resource budgetthe means by which the government plans and controls the expenditure of resources tomeet its objectives.Restitutiona legal concept which allows money and property to be returned to its rightful owner. Ittypically operates where another person can be said to have been unjustly enriched byreceiving such monies.Return on capital the ratio of profit to capital employed of an accounting entity during an identified period.employed, ROCEVarious measures of profit and of capital employed may be used in calculating the ratio.Public Privatepartnership, PPPPrivate Finance Initiative, PFIParliamentaryauthority61Managing Public Money
    "
    ————————————————————————————————————————
    GLOSSARYRoyal charterthe document setting out the powers and constitution of a corporation established underprerogative power of the monarch acting on Privy Council advice.Second readingthe second formal time that a House of Parliament may debate a bill, although in practicethe first substantive debate on its content. If successful, it is deemed to denoteParliamentary approval of the principle of the proposed legislation.Secondary legislationlaws, including orders and regulations, which are made using powers in primary legislation.Normally used to set out technical and administrative provision in greater detail thanprimary legislation, they are subject to a less intense level of scrutiny in Parliament.European legislation is,however,often implemented in secondary legislation using powers inthe European Communities Act 1972.Service-level agreement between parties, setting out in detail the level of service to be performed.agreementWhere agreements are between central government bodies, they are not legally a contractbut have a similar function.Shareholder Executive a body created to improve the government’s performance as a shareholder in businesses.Spending reviewsets out the key improvements in public services that the public can expect over a givenperiod. It includes a thorough review of departmental aims and objectives to find the bestway of delivering the government’s objectives, and sets out the spending plans for the givenperiod.State aidstate support for a domestic body or company which could distort EU competition and sois not usually allowed. See annex 4.9.Statement of Excessa formal statement detailing departments’ overspends prepared by the Comptroller andAuditor General as a result of undertaking annual audits.Statement on Internal an annual statement that Accounting Officers are required to make as part of the accounts Control, SICon a range of risk and control issues.Subheadindividual elements of departmental expenditure identifiable in Estimates as single cells, forexample cell A1 being administration costs within a particular line of departmental spending.Supplyresources voted by Parliament in response to Estimates, for expenditure by governmentdepartments.Supply Estimatesa statement of the resources the government needs in the coming financial year, and forwhat purpose(s), by which Parliamentary authority is sought for the planned level ofexpenditure and income.Target rate of returnthe rate of return required of a project or enterprise over a given period, usually at least a year.Third sectorprivate sector bodies which do not act commercially,including charities,social and voluntaryorganisations and other not-for-profit collectives. See annex 7.7.Total Managed a Treasury budgeting term which covers all current and capital spending carried out by the Expenditure,TMEpublic sector (ie not just by central departments).Trading fundan organisation (either within a government department or forming one) which is largely orwholly financed from commercial revenue generated by its activities. Its Estimate shows itsnet impact, allowing its income from receipts to be devoted entirely to its business.Treasury Minutea formal administrative document drawn up by the Treasury, which may serve a wide varietyof purposes including seeking Parliamentary approval for the use of receipts asappropriations in aid, a remission of some or all of the principal of voted loans, andresponding on behalf of the government to reports by the Public Accounts Committee(PAC).62Managing Public Money
    ————————————————————————————————————————
    GLOSSARY63Managing Public MoneyValue for moneythe process under which organisation’s procurement, projects and processes aresystematically evaluated and assessed to provide confidence about suitability, effectiveness,prudence,quality,value and avoidance of error and other waste,judged for the public sectoras a whole.Virementthe process through which funds are moved between subheads such that additionalexpenditure on one is met by savings on one or more others.Votethe process by which Parliament approves funds in response to supply Estimates.Voted expenditureprovision for expenditure that has been authorised by Parliament. Parliament ‘votes’authority for public expenditure through the Supply Estimates process. Most expenditureby central government departments is authorised in this way.Wider market activity activities undertaken by central government organisations outside their statutory duties,using spare capacity and aimed at generating a commercial profit. See annex 7.6.Windfallmonies received by a department which were not anticipated in the spending review.
    ————————————————————————————————————————

    Англо-русский экономический словарь > near cash

  • 80 insurance

    n
    2) страховая премия; страховой взнос

    - accident insurance
    - acual cost insurance
    - additional insurance
    - aircraft insurance
    - all-in insurance
    - all-loss insurance
    - all-risk insurance
    - annuity insurance
    - automobile insurance
    - automobile liability insurance
    - aviation insurance
    - bad debts insurance
    - baggage insurance
    - blanket insurance
    - block insurance
    - burglary insurance
    - business insurance
    - business interruption insurance
    - capital insurance
    - car insurance
    - cargo insurance
    - casualty insurance
    - catastrophe insurance
    - children's endowment insurance
    - child's insurance
    - civil commotion insurance
    - collateral insurance
    - collective insurance
    - combination policy insurance
    - comprehensive insurance
    - compulsory insurance
    - compulsory insurance against third party risks
    - concurrent insurance
    - construction risks insurance
    - contingency insurance
    - contract guarantee insurance
    - cooperative insurance
    - credit insurance
    - credit disability insurance
    - credit life insurance
    - credit-related insurance
    - credit risk insurance
    - currency risk insurance
    - current insurance
    - cut-through insurance
    - deposit insurance
    - disability insurance
    - disablement insurance
    - disbursements insurance
    - double insurance
    - employer's liability insurance
    - employment insurance
    - endowment insurance
    - excess insurance
    - export insurance
    - export credit insurance
    - export risk insurance
    - extended term insurance
    - extra risk life insurance
    - fidelity insurance
    - fidelity guarantee insurance
    - fire insurance
    - first loss insurance
    - fleet policy insurance
    - floater policy insurance
    - foreign investment insurance
    - freight insurance
    - full insurance
    - full value insurance
    - general insurance
    - graded premium life insurance
    - group insurance
    - group creditor insurance
    - group life insurance
    - guarantee insurance
    - hazard insurance
    - health insurance
    - home owner's policy insurance
    - hospitalization insurance
    - house insurance
    - household insurance
    - hull insurance
    - index-linked insurance
    - industrial insurance
    - industrial life insurance
    - inland transportation insurance
    - inland waterways insurance
    - investment insurance
    - leasehold insurance
    - liability insurance
    - life insurance
    - limited payment life insurance
    - limited policy insurance
    - livestock insurance
    - loan insurance
    - loss-on-exchange insurance
    - luggage insurance
    - lump-sum insurance
    - maintenance insurance
    - mandatory insurance
    - marine insurance
    - medical insurance
    - mercantile open-stock burglary insurance
    - miners' insurance
    - money and securities insurance
    - mortgage insurance
    - mortgage redemption insurance
    - motor insurance
    - motor car insurance
    - motor vehicle insurance
    - motor vehicle passenger insurance
    - mutual insurance
    - national insurance
    - obligatory insurance
    - ocean insurance
    - ocean marine insurance
    - old age insurance
    - old age and survivor insurance
    - open insurance
    - ordinary insurance
    - ordinary life insurance
    - overlapping insurance
    - package insurance
    - paid-up insurance
    - partial insurance
    - participating insurance
    - partnership insurance
    - personal insurance
    - personal accident and sickness insurance
    - personal liability insurance
    - pluvial insurance
    - private insurance
    - private health insurance
    - products guarantee insurance
    - products liability insurance
    - professional liability insurance
    - property insurance
    - property damage insurance
    - provisional insurance
    - public liability insurance
    - real estate insurance
    - reciprocal insurance
    - renewable term insurance
    - rent insurance
    - replacement insurance
    - residence contents insurance
    - retirement income insurance
    - riots insurance
    - risk insurance
    - robbery insurance
    - sea insurance
    - sea cargo insurance
    - sickness insurance
    - social insurance
    - specific insurance
    - state insurance
    - stock insurance
    - straight life insurance
    - strike insurance
    - subsequent insurance
    - substandard insurance
    - supplementary insurance
    - technical risk insurance
    - term insurance
    - term life insurance
    - theft insurance
    - third party insurance
    - third party liability insurance
    - time insurance
    - title insurance
    - transit insurance
    - transport insurance
    - traveller's accident insurance
    - unemployment insurance
    - upset insurance
    - voluntary insurance
    - war insurance
    - war risk insurance
    - weather insurance
    - whole life insurance
    - workmen's compensation insurance
    - insurance against all construction risks
    - insurance against all risks
    - insurance against breakage
    - insurance against breakdown
    - insurance against burglary and theft
    - insurance against calamities
    - insurance against commercial risks
    - insurance against default
    - insurance against depreciation
    - insurance against hazards
    - insurance against insolvency
    - insurance against loss by redemption
    - insurance against natural calamities
    - insurance against natural hazards
    - insurance against risk
    - insurance against robbery
    - insurance against third party liability
    - insurance against total loss
    - insurance against war risks
    - insurance of building
    - insurance of cargo
    - insurance of credit
    - insurance of freight
    - insurance of goods
    - insurance of merchandise
    - insurance of movable property
    - insurance of securities
    - insurance of valuables
    - insurance of a vessel
    - insurance on a contingency basis
    - insurance on full replacement value
    - insurance on a premium basis
    - insurance with limited premium
    - insurance with participation in the profits
    - insurance without participation in the profits
    - insurance free of particular average
    - accept for insurance
    - arrange insurance
    - back up insurance
    - cancel insurance
    - carry an insurance
    - cover insurance
    - effect insurance
    - furnish insurance
    - issue insurance
    - make insurance
    - pay the insurance
    - place an insurance
    - provide insurance
    - reinstate an insurance
    - suspend insurance
    - take out an insurance
    - undertake insurance

    English-russian dctionary of contemporary Economics > insurance

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